I get a new phone every couple of years so I'm not going to chance a $700+ phone to a $50 case/screen protector. I use AppleCare+ just based on reviews of people who I know had to use it. Both of the people I know who used it had there phones replaced no questions asked.But a good case and screen protector, skip the insurance.
Couldn't disagree more, things happen no matter how careful you are. I have been paying car insurance for 30+ years and have never filed a claim does that mean I should just drop it?Insurance for your phone regardless of Apple or some other brand is a waste of money.
Well...I am required by law to buy car insurance.I get a new phone every couple of years so I'm not going to chance a $700+ phone to a $50 case/screen protector. I use AppleCare+ just based on reviews of people who I know had to use it. Both of the people I know who used it had there phones replaced no questions asked.
I suppose if you buy older phones that aren't not worth that much then buying insurance isn't worth it
Couldn't disagree more, things happen no matter how careful you are. I have been paying car insurance for 30+ years and have never filed a claim does that mean I should just drop it?
First, are you playing frisbee with your phone? A good case is going to protect your phone.I get a new phone every couple of years so I'm not going to chance a $700+ phone to a $50 case/screen protector. I use AppleCare+ just based on reviews of people who I know had to use it. Both of the people I know who used it had there phones replaced no questions asked.
I suppose if you buy older phones that aren't not worth that much then buying insurance isn't worth it
Couldn't disagree more, things happen no matter how careful you are. I have been paying car insurance for 30+ years and have never filed a claim does that mean I should just drop it?
One of my daughters dropped her iPhone into a portapotty last year.But a good case and screen protector, skip the insurance.
We only use insurance on newer phones and then drop it, I’ve never had insurance on any of mine because I’ve never lost or damaged one. Just used it on dd21’s 6 month old phone, she’s a nightmare with phones (she pays for her phones and insurance). It’s very simple, a replacement phone arrived the next day with packaging to ship the damaged one back, just had to drop it in a mailbox. I don’t think she’s ever not used insurance on any phone (has a case and screen protector).Well...I am required by law to buy car insurance.
I also have to worry about related medical bills, pain and suffering, law suits etc...
Cars are also far more money to replace than a phone.
Its apples and oranges IMO.
AppleCare+ is also different, and I am pretty sure you MUST but it when you buy the phone - you cant add it later.
It sounds to me as if the OP already has a phone and wants to add insurance - I don't think AppleCare+ is an option.
Most of these phone insurance plans are sold for profit and make it so by the time you make a claim and jump through hoops it was not worth it in my experience.
You will also probably be without a phone for a bit of time - that seems to be the issue with some of the secondary plans.
Lastly - at this point in time most of us have a track record with a smart phone. My kid has broken his screen in the past, so the $5 a month might make sense. I've never broken a screen so the $12 a month for my phone may not be worth it.
If the OP has the option to add AppleCare+ that might be worth it - especially if upgrades and such are included.
BTW - this thread reminded me and I just cancelled the insurance from Google.
Yeah - no case will help with that - well maybe - but still - no thanks.One of my daughters dropped her iPhone into a portapotty last year.
In your previous example - that would be a 200 deducible on top of the $12 a month . And in NY loss is not covered at all even if you pay the $12 a month.We only use insurance on newer phones and then drop it, I’ve never had insurance on any of mine because I’ve never lost or damaged one. Just used it on dd21’s 6 month old phone, she’s a nightmare with phones (she pays for her phones and insurance). It’s very simple, a replacement phone arrived the next day with packaging to ship the damaged one back, just had to drop it in a mailbox. I don’t think she’s ever not used insurance on any phone (has a case and screen protector).
It's the same principle insurance of any kind it doesn't have to be specific to car insurance. I pay $20 pm for life insurance just in case I die my family is taken care of. If all goes well no one will ever see a dime of that insurance policy but I'm still paying.Its apples and oranges IMO.
Yeah - just providing all the infoIt's the same principle insurance of any kind it doesn't have to be specific to car insurance. I pay $20 pm for life insurance just in case I die my family is taken care of. If all goes well no one will ever see a dime of that insurance policy but I'm still paying.
It only takes one oopps to break a phone. I would much rather spend the $7-8 bucks a month then to have to shell out another $1000 for a phone. Again it's all relatvie how you buy your phone, I replace my phones every 2 years so the cost of the phone is expensive(not to mention I buy 4 for the family). If I buy a phone 3-4 years old worth only a couple hundred then I would probably have to think about insurance or not.
It was a $100 deductible. It was t just the screen, it hardly functions. She’s a poor college student who wouldn’t be able to afford a new phone, and like most her age cares about things like picture quality. Me, I buy the oldest phone they sell and keep it until it quits, my iPhone 8 works great, so does my husband’s iPhone 5 se.Yeah - no case will help with that - well maybe - but still - no thanks.
In your previous example - that would be a 200 deducible on top of the $12 a month . And in NY loss is not covered at all even if you pay the $12 a month.
Screens are only $29 with insurance - but you have to carry it in - they don't do an exchange - so it might take a little more time and effort.
Again it all depends on the plan.
Some credit card companies included insurance if you set up the card for auto bill with the cell provider. We use Wells Fargo.If you insure your IPhone, who do you use? Who is the best for your buck? Best coverage?